Payments Partners Confirmed for GSMA’s NFC Experience

As part of the new NFC Experience at Mobile World Congress, four
partners have come together to deliver a mobile contactless payment
experience.

CaixaBank, Gemalto, Telefnica and Visa Europe will deliver a payments
application which will be offered to 3,500 delegates at Mobile World
Congress, taking place February 25-28th in Barcelona. The
app, developed by Telefnica Digital, will allow delegates to make
mobile contactless payments using a pre-paid card especially developed
for mobile payments, which has been enabled to work with Visa’s
contactless payment technology. The card is issued by MoneyToPay, the
new subsidiary for the prepaid business created by CaixaBank.

Delegates will experience the service on an Xperia™smartphone provided
by Sony Mobile Communications, and using wallet technology developed by
Telef㳳nica Digital.

The app will come pre-loaded with €15, allowing delegates to make
payments at contactless payment terminals across the Fira Gran Via. In
addition, the app will allow payments at any of the 16,000 Visa
contactless payment terminals in stores, commercial centres and city
markets, as well as 700 taxis installed by CaixaBank around Barcelona.

“The GSMA is excited to launch the NFC Experience for Mobile World
Congress 2013, as it provides attendees with the opportunity to
experience first-hand the potential that NFC technology holds both
throughout the Mobile World Congress venue and in Barcelona,” said Michael
O’Hara, Chief Marketing Officer, GSMA. “We hope that all attendees
will take the opportunity to experience the many benefits of NFC, from
venue access to retail transactions to transport and much more.”

Sandra Alzetta, Senior Vice President at Visa Europe, said:
“Contactless transaction numbers quadrupled across Europe in 2012 and
will quadruple again this year. In the UK there are now more than 2.5
million contactless transactions every month. There is a natural
evolution from contactless cards to mobile devices and we’ve seen a
fantastic response from the markets where this kind of service is
commercially available.”

Miguel ngel Pozuelo, head of new product and service development
from CaixaBank said: “Innovation strategy is crucial for CaixaBank and
the development of new payment products aimed at giving answers to all
kinds of needs coming from its 13 million clients. Indeed, CaixaBank has
promoted the creation of Money to Pay, Spain's first electronic money
operator exclusively for the prepaid card sector, in order to boost new
payment methods linked to technological development, such as NFC mobile
devices and online wallets.”

“Bustling with activity and people jumping from meetings to
demonstrations, MWC is the perfect environment for experiencing the
speed and convenience of contactless services”, said Jean-Claude
Deturche,Senior Vice President Mobile Financial Services at
Gemalto. “Gemalto is at the heart of 50 mobile NFC projects, with many
of the world’s leading Mobile Operators, Banks, Retailers, Transport
Operators and Service Providers. Global adoption is on its way with
payment being one of the pillar services in the NFC ecosystem.”

Fernando Abella, Head of Telefsnica Digital Spain, said: “Wallet
technology from Telefnica Digital will enable our customers to perform
payments with their mobile phone easily and securely. Telefnica is
committed to delivering mobile payment capabilities to its customers all
around Europe, including launching commercial NFC services in key
markets such as Spain.”

The market potential for NFC is significant - nearly 1.5 billion
SIM-based handsets will have been sold worldwide between 2010 and 2016,
supporting transactions of more than $50 billion globally over the same
period*, and momentum is growing. Further, the deployment of NFC-ready
point of sales terminals is set to expand dramatically, growing from 3.9
million in 2011 to 43.4 million in 2017, with 53 per cent of all point
of sale terminals worldwide being NFC-ready**.

*Source: Strategy Analytics

**Source: Berg Insight

Further information: about the NFC Experience at Mobile World
Congress 2013

As part of the new NFC Experience at Mobile World Congress, the GSMA
will showcase an integrated range of mobile NFC services. Attendees with
NFC-enabled handsets will be able to take advantage of NFC technology at
locations throughout the Fira Gran Via and in the city. NFC touch points
will be abundant throughout Congress, rewarding those who ‘tap’ with
instant access to information such as downloads on the conference
sessions and keynotes, as well as information on restaurants and tourist
attractions around Barcelona itself. The NFC Experience features:

NFC Centre – A dedicated zone in the heart of Congress Square
will be one of the key locations to visit and see NFC-enabled handsets
and their capabilities as well as gaining information on the NFC
ecosystem, NFC smart posters, NFC partner pods and a dedicated NFC
support function;
NFC Interactive Zones - More than a dozen NFC Interactive Zones
will be located along the walkways, entrances and exhibition halls of
Fira Gran Via. Comprising a series of linked smart posters, attendees
can use their NFC-enabled handsets to access exhibitor directories,
venue information, nearby conveniences and many other useful services
offered during Mobile World Congress;
Barcelona City NFC Locations - Strategic NFC touch points will
be available at the airport, key hotels, selected restaurants and
central tourist locations and attendees can take a taxi and pay for
goods in select shops with NFC; and
Virtual NFC Badge – During registration, attendees with
NFC-enabled handsets (Android 4 and above or Windows Phone 8 operating
system) can opt into the NFC Experience and get full show entry with
it and their physical badge, but without the need to repeatedly
present a physical photo ID to gain access to the venue.

About Gemalto

Gemalto (Euronext NL0000400653 GTO) is the world leader in digital
security with 2011 annual revenues of €2 billion and more than
10,000 employees operating out of 74 offices and 14 Research &
Development centers, located in 43 countries.

We are at the heart of the rapidly evolving digital society. Billions of
people worldwide increasingly want the freedom to communicate, travel,
shop, bank, entertain and work – anytime, everywhere – in ways that are
enjoyable and safe. Gemalto delivers on their expanding needs for
personal mobile services, payment security, authenticated cloud access,
identity and privacy protection, eHealthcare and eGovernment efficiency,
convenient ticketing and dependable machine-to-machine (M2M)
applications.

Gemalto develops secure embedded software and secure products which we
design and personalize. Our platforms and services manage these secure
products, the confidential data they contain and the trusted end-user
services they enable. Our innovations enable our clients to offer
trusted and convenient digital services to billions of individuals.

Gemalto thrives with the growing number of people using its solutions to
interact with the digital and wireless world.

Visa Europe is a payments technology business owned and operated by
member banks and other payment service providers from 36 countries
across Europe.

Visa Europe works at the forefront of technology to create the services
and infrastructure which enable millions of European consumers,
businesses and governments to make electronic payments. Its members are
responsible for issuing cards, signing up retailers and deciding
cardholder and retailer fees.

Visa Europe operates a high volume, low cost business model that
provides services to its members. Its surplus is reinvested into the
business and used to improve capital and reserves. In the last six
years, Visa Europe has invested over €1 billion in new technology and
infrastructure.

There are 466m Visa cards in Europe while €1 in every €6.75 spent in
Europe is on a Visa card. Almost 80% of Visa Europe's business is on
debit cards and, in the year to September 2012, over €1 trillion
(€1.02tr) was spent on Visa debit cards. Annual online spending on Visa
cards in Europe topped €200 billion (€202bn) for the first time in this
period and now accounts for more than 20% of Visa Europe’s processed
business.

Since 2004, Visa Europe has been independent of Visa Inc. and
incorporated in the UK, with an exclusive, irrevocable and perpetual
licence in Europe. Both companies work in partnership to enable global
Visa payments. As a dedicated European payment system Visa Europe is
able to respond quickly to the specific market needs of European banks
and their customers - cardholders and retailers - and to meet the
European Commission’s objective to create a true internal market for
payments.

CaixaBank is an integrated financial group, with a banking business,
insurance operations and investments in international banks. It is the
leading retail bank in Spain, where its financial operations date back
more than 100 years. It places strong emphasis on growth, both domestic
and international, supported by proven experience in banking sector
investments and its characteristic prudence.

CaixaBank group aims to create a universal banking model that provides
personalized, high-quality and innovative services that are suited to
the needs of its more than 13 million customers. The sales staff at
CaixaBank’s extensive network of branches are at the heart of relations
between the bank and its customers, supported by an efficient and
forward-looking multi-channel distribution system. CaixaBank is
currently the leading operator in online banking, mobile banking (over 3
million customers, the largest number of financial services users in
Spain) and electronic banking (with more than 12.5 million cards).

About Telef㳳nica Digital

Telefnica
Digital is a global business division of Telefnica. Its mission is
to seize the opportunities within the digital world and deliver new
growth for Telef㳳nica through research & development, venture capital,
global partnerships and digital services such as cloud computing, mobile
advertising, financial services, M2M and eHealth. It is also driving
innovation in over the top communications under a new umbrella brand
called TU and in Big Data through Telefnica Dynamic Insights.

Telefnica Digital will deliver these new products and services to
Telef㳳nica's 314 million customers as well as entering new markets. It
is headquartered in London with regional centres in Silicon Valley, Sao
Paulo, Spain and Tel Aviv. Jajah, Terra, Media Networks Latin America,
48 and giffgaff are all managed under the Telefnica Digital umbrella.